I think a small loan would be a good idea. It’s either borrow it now and stay warm or pay the same (or more) to the doc for how sick you gonna be because your catching colds all the time. The last time I got a cold I had to pay $50 for a shot in my ass. That’s equal to 25% of a warm coat.

And remember, shop for layers, not warm outfits. You can’t take warm outfits off if you get too hot (except during sexy-time;) but you can always de-layer.